GRAND LAKE SAILING CLUB INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1974

Legal Domicile

Principal Officer

Fred Overstreet

Phone

9187862242

Tax Period

2025-01-01 to 2025-12-31

GRAND LAKE SAILING CLUB INC, founded in 1974, is a small nonprofit that reported $154K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $44K, a strong 28% operating margin.

Mission

Provide recreational sailing facilities and instruction to members and others.

Program Service Accomplishments

Program 1

Expenses: $485 Revenue: $56,577

Boat slips available for members with boats

Program 2

Expenses: $0 Revenue: $11,605

Fleet boats available for fleet members

Program 3

Expenses: $0 Revenue: $4,000

Dry Storage available

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $146,194

Investment Income $7,898

Other Revenue $205

TOTAL REVENUE $154,297

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $485

Other Expenses $110,651

TOTAL EXPENSES $110,651

Year-over-Year Comparison

	2025	2024	Change
Revenue	$154,297	$141,631	+0.1%
Expenses	$110,651	$76,664	+0.4%
Net Income	$43,646	$64,967	-0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Fred Overstreet	Commodore	10.00	Officer	$0	$0	$0
David Mercer	Vice Commodore	5.00	Officer	$0	$0	$0
Judy Allen	Secretary	5.00	Officer	$0	$0	$0
Evan Arter	Treasurer	10.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$154,297	$110,651	$776,643	$43,646
2024	$141,631	$76,664	$744,499	$64,967
2023	$103,578	$106,106	$690,550	$-2,528